Date Received: 2022-08-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I set up web based automatic payments to pay my STATEMENT balance each month. My XXXX payment was scheduled to be {$1200.00}, the bank only applied {$1100.00}, the {$36.00} was a refund during the following statement period and should of been applied to the next statement balance, like every other bank does. I opened a ticket with them XXXX but they never responded or resolved my issue
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I connected with a person on XXXX and agreed on paying for seats for 3 round-trips on a bus for a 3-day event in XXXX XXXX. I paid half as a deposit and then the remaining half on the first day of the event. Despite paying for SEATS, the bus overbooked and my wife had to sit on someone's lap for the long trip both on the trip there and on the trip back. Others had to lay on the floor and on eachother. It was super dangerous in the case of a crash not to mention very uncomfortable. My wife asked for a refund and used XXXX 's services instead on day 2 and 3. The bus service refused to refund, claiming a no-refund policy which was never mentioned in any of their material on XXXX. It was mentioned in their website but my wife found them on XXXX, talked to them on XXXX, received the invoice and paid it before we even learned of their website. At no point did we agree to those terms. I disputed the payment and Apple card decided in my favor for the deposit of {$270.00}, but not for the other half ( an additional {$270.00} ). I don't understand that. Either you agree that the service was not rendered, or you don't. How is it half in my favor and half against? Even more frustrating, this process has been ongoing for nearly 4 months now with essentially zero communication other than to tell me my dispute was not resolved in my favor. I went online only to find that they were even under investigation for this exact behavior. After trying to file a complaint with consumer finance, my complaint got closed with a message that says that my earlier complaints were processed. What earlier complaints? This was my first ever complaint.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am an Apple Card customer. In XXXX of this year I made a monthly payment as shown on my XXXX to avoid an interest charge. Paying the full amount that was reported in the Apple Card app, I nonetheless was charged an additional interest payment by Goldman Sachs. After a number of conversations with Goldman Sachs and Apple, I was told today by Goldman Sachs that the reason for this charge was because I did not pay a previous months finance charge ( that had been partially waived by Goldman Sachs ), and that the full amount needed to avoid and additional charge could be found in my statement, but that the app would only report the amount necessary to avoid a finance charge for XXXX transactions. I have contacted Apple regarding this revelation and informed them that the data being sent to their app is erroneous and that their apps feature of noting the amount to avoid a finance charge is misleading ( or completely wrong ). Goldman Sachs for their part has done nothing to resolve this issue and has attempted to talk their way around the situation telling me that I am responsible for reading my statement, but they are not responsible for the functionality of the Apple Card app. In summary, I believe Goldman Sachs practices in this case are intentionally designed to mislead their customers, resulting in fraudulent finance charges.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Initial date of incident : XX/XX/2022, XXXX XXXX My XXXX was hacked and taken over by a XXXX party. A Goldman Sachs Apple Card was linked to this AppleID. I reported the hack to Apple within minutes of it happening. Despite my fast action in reporting the problem, the hacker then made purchases of approximately {$22000.00}. Other charges came through the account, as late as XX/XX/2022, despite the fact that all cards associated with this account were supposed blocked/frozen on XX/XX/XXXX. Access to my AppleID is lost forever as the hacker is in control of it. Goldman Sachs/Apple Card refuses to issue a new card using my new XXXX XXXX. They say I can not apply for a new card until all issues are resolved and that I must cancel the old account and reapply for credit as if they do not know me nor my excellent history with that account. In order to reapply, the old card must be paid off in full, including a monthly installment purchase of a product from Apple. Account cancellation and reapplying will impact my credit score. The company said that my hacking/fraud may or may not be used in considering a new application for credit. As of today, two months later, the issues have not all been resolved. So, I wait.
Company Response:
State: MI
Zip: 48433
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Getting the loan
Subissue:
Consumer Complaint: I received an email invitation to apply for a loan. I applied and was approved. The debt consolidation was to be for a credit card and a personal loan. The payoff for the loan had to be sent by the company, which I completely understand. The problem was there was no way to pay my one lender in their predefined website fields. Which disqualified me for the loan. When I called to get this resolved I was told I had to withdraw my application. Which resulted in negative effects on my credit score.
Company Response:
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My card was used for {$480.00} on XX/XX/22 in an online transaction thru XXXX. The company was XXXX XXXX which is an XXXX company in XXXX XXXX I dont live in XXXX XXXX XXXX I have done all the research on my end. They have said I lost the dispute and that it was me. I have worked with XXXX XXXX who has stated they dont have the transaction in their system and that they dont even use XXXX so its not even their company who the card was used at. The evidence against me is a XXXX receipt with my name and address but a fake email and fake phone number and invoice number was XXXX. Lots of red flags. I dont know what else I can possibly provide to say it wasnt me for an online transaction.
Company Response:
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I initiated an {$71000.00} online transfer from my Marcus Bank by Goldman Sachs online savings account to my XXXX XXXX checking account. Marcus Bank Acct : XXXX. Social Security # : XXXX. I have called three times over the past week and the bank refuses to unlock my account and send me my money. The bank has refused to provide me with any explanation for refusal to send money. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX, I had a minimum payment due around {$68.00}. When I tried to pay using LTE or 5G, it would not let me. For the record, I have never been able to pay my card on the Apple XXXX app using data, it only allows me to pay using Wifi. This is normally fine, but in this month I was RVing from national park to national park and there was no WiFi at all. The only access I had to internet was via LTE and 5G cellular service. I called to alert them and to try and pay, but my phone calls were not answered. They never notified me that I would not be able to pay my bill over anything other than Wifi. I would like for these late payment marks to be removed from my credit report due to this unfair situation with Apple Card. I now can not get approved for a car loan because of the major hit this had on my credit score, and my current car is having lots of issues, so I'm in a very tough spot right now.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: {$28.00} on XX/XX/22 {$3.00} XX/XX/22 Contacted the bank almost 24 times since these erroneous charge was made as interest. They back dated a payment of {$1500.00} as declined after 3-5 months to charge me interest. Contacted my XXXX bank to see why it declined after 3-5 months and was told this decision was not made by anyone at XXXX or anyone associated with XXXX and it was Apple Card that decided to back date and decline the payment to charge these interest on two different occasions in the same months. I contacted Apple countless times with out right refusal to review or assist in these fraudulent interest charges.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX XXXX am, I called Marcus by Goldman Sachs to close a CD account. I was told what the penalty would be and I agreed to close the account. I was told it would take between 1 to 3 business days. As of XX/XX/XXXX XXXX am, my CD account has not been closed. I have called Marcus by Goldman Sachs asking for an update on the following dates and times : XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX pm, XX/XX/XXXX XXXX am. Each time the representative told me that they have many requests at this time and they are working on my request to close the CD account. Marcus by Goldman Sachs is refusing to close my CD account and make these funds available to me. The Deposit Account Agreement, effective XX/XX/XXXX does not state any delay on closing a deposit account where the funds are being transferred into a different deposit account held at Marcus by Goldman Sachs. This institution has changed the rules for account closure. Marcus by Goldman Sachs is violating the Deposit Account Agreement. As of this time, I have no idea when the funds will be made available to me. I feel the bank does not have the funds available to give me. Please investigate this practice and determine the legality of their actions.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A